Senior Underwriter

Key responsibilities: Manually underwrite mortgage loan transactions to ensure compliance with company and investor credit guidelines Perform quality control audits of third-party vendors to verify adherence to credit guidelines and requirements Collaborate with internal teams and clients to communicate purchase/funding eligibility requirements and clear loan conditions

Required qualifications: 15+ years of underwriting experience, with recent hands-on Non-QM underwriting experience Ability to manually calculate income for complex self-employed borrower profiles and various Non-QM programs Proficiency in Encompass for managing workflows and analyzing documentation Strong understanding of Non-QM guidelines, investor overlays, and risk layering Experience underwriting HELOCs and 2nd mortgages preferred